rbp ph new_2_(revised_2014)

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Employment- you purchase the Job

YOU WORK FOR MONEYSelf employed- You own the Job

DoctorLawyerYOU WORK FOR MONEY

Employment is Good but Not for the REST OF YOUR LIFE!

MONEY WORKS FOR YOU!

If Money is not an Issue, what are your Dreams?

Dream Car?Dream House?Education?Travel Abroad?Savings?

House & LotCarEducationTravel/LeisureSavings 15M5M5M5M 20MTotal50M

25 years old Start to work (Permanent Status)65 years old ( Retirementyear)40 yearsWorkEarnP.D.15-30SpendBorrowNo Savings15 - 16 years of Education

FoodClothingShelterTranspoLoadTuitionMedicines265/day to 500/dayLoan / Credit CardP100X 8hrsX 6daysX 4 weeksX 12 months= P230,400.00/yearP230,400.00 x 40 years= P9,216,000.00 vsP50.MHahhahmy Dreams!!!9

Big Capital for Big Income!Great Effort!High Risk!Traditional Business:

Dhon Jon O. Alcantara

Royal Business Club International, Inc.

Micro-business EnterpriseLow Risk!

Minimal Capital generatesBig Income!

Team Effort!What if your yearly income becomes your monthly income?What if your yearly income becomes your daily income?OR11Start and effectively run your own business without spending too much amount of money.

Earn up to six figures weekly without working abroad.Enjoy time and financial freedom with your loved ones.Live well, Look good and feel good.

ACHIEVE ALL YOUR DREAMS IN NO TIME!!!

Royal Business Club International, Inc. (RBCII)A Filipino-owned corporation established in the year 2006 in Quezon City, Philippines engaged in Marketing of Food Supplements, powdered beverages, Beauty, Skin, & personal care products through a unique distribution method providing income opportunity to its distributors and sales force.

It was registered with the Securities and Exchange Commission with registration # CS200600131. It has Food & Drug Administration Registration as distributor of drugs with license # RDII-MM-DT-0771, distributor of foods with license # RDI-MM-FE/W-3786 and distributor of cosmetics with license # RDI-MM-CT-0402

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To be a globally recognized brand & entity providing top quality products, services & business opportunities through a dynamic, innovative & sustainable system of product distribution & marketing while adhering to the highest standards of integrity & excellenceTo create a group or club of professional, success driven independent distributors & develop them to be world class entrepreneurs utilizing a dynamic, innovative & sustainable system of product distribution & marketing while adhering to the highest standards of integrity & excellence3

4Royal Business Club International Inc. is a member of

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Mr. Ricardo S. Castaeda Founder & CEO Chairman of the Board Mr. Juluis Allan G. Nolasco President & COO Director

Royal Centre 1363A Quezon Avenue, West Triangle, Q.C.

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Philippine Headquarters

Laoag City, Ilocos Norte Santiago City, Isabela Baguio City, Benguet Dagupan City, Pangasinan Olongapo City, Zambales Angeles City, Pampanga Baliuag, Bulacan Calamba, Laguna Batangas City

18 Company Owned Branches

Naga City, Camarines Sur Iloilo City, Iloilo Cebu City, Cebu Tacloban City Cagayan De Oro City Davao City, Davao Del Norte General Santos City, South Cotobato Zamboanga City Pagadian City

National Outlets7

Royale in Dubai free port zone!

Soon to OPEN this 2014

Why Health,Wellness & BeautyProducts?

8Rationale:

WELLNESS BUSINESS IS THE NEXT TRILLION DOLLAR INDUSTRY!

Paul Zane PilzerKnown EconomistAuthor of 9 Best Selling BooksEconomic Adviser of 2 US Presidents9

Royal Business Club International,Inc.10How can we join the Wellness Industry?

Be a MEDICAL PRACTITIONER If you are a doctor, massage therapist, chiropractor, naturopathic healer etc. Be a MANUFACTURER If you can afford millions of pesos for infrastructure, patents, research, logistics Be a RETAILERIf you can afford Franchise Fees, 7-day work weeks, inventory & employee problems Be an INDEPENDENT DISTRIBUTOR of a COMPANY that carries HEALTH ,WELLNESS & BEAUTY PRODUCTS:

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The Ultimate Multi-Vitamin Supplement withConcentrated Whole FoodsWorlds Healthiest Superfood Glutathione Supplement Anti-Oxidant, Immune System Booster, Detoxifier Pinkish Glow w/ Lycopene, Alpha Lipoic Acid Vitamin C & EImmune SystemBooster Weight Management Supplement Memory & Mental Alertness Supplement Anti-Oxidant Anti-CancerAnti-Diabetes Supplement100% Natural FibersFR-74752FR-76346FR-70849FR-77118FR-74754DRHR-1306FR-77117FR-68888FR-68895

The Anti-Ageing Supplement for Men

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- metabolizes carbohydrates- aids in the oxidation of fats- prevents cells oxidation maintains balance of red and white blood cells builds healthy immune response protects the body against oxidative damage slows ageing process improves skin conditionAnti-oxidant Free Radical Scavenger12

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Performax can change your life! By supporting a natural testosterone production, and not delivering a steroid or synthetic precursor.

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Choco ALL 8FR-77469Royal BlendRoasted CornPowdered BeverageFR-77458 Richarge Herbal Drink MixFR-83861Royal Blend CoffeeRoyal Blend Coffee No Sugar AddedFR-77470FR-77471

Contains 7 of Natures Most Potent Sources of Antioxidants

MANGOSTEENCRANBERRYSILYMARINBARLEY GRASSBLUEBERRYPOMEGRANATEGOJI BERRYFORTIFIED WITH VITAMIN C AND CALCIUM NO SUGAR ADDED15

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Femme Anti-Perspirant & Deodorant60mlL-Gluta POWERLightening Lotion 120ml Pinkish Glow Cleansing & Brightening Toner 100ml Pinkish Glow Brightening & Smoothening Cream, 10g L-Gluta POWER Lightening Cream 25g L-Gluta POWER Line Corrector Cream, 25g Royale Beauty Lipstick 4gKojic Papaya Soap 130gL-Gluta POWER Soap 130gL-Gluta POWERAnti-Ageing Soap 90g

LOPULENT Rejuv Facial Essence 40 ml LOPULENT Jeune BB Cream 40 ml LOPULENT Lumire Facial Foam Cleanser 100 ml LOPULENT Meilleur Blemish Gel,10 ml

HommeAnti-Perspirant & Deodorant60ml

Removes dark spotsReduces & gets rid of freckles, age spots & pimple marksWhitens skinRevives skin supplenessNourishes skin to make your skin look radiant and flawless.17

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How to become an INDEPENDENT DISTRIBUTOR 1. Attend the Royal Business Presentation (RBP).

2. Accomplish a Distributor Application Form and submit to the office to start enjoying discount. *A fee of PHP 300 will be collected for the Application Form that comes with an initial Marketing kit and product sample - You can now enjoy 10% discount from your Royal product purchase

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SUB-DISTRIBUTOR PACKAGE OPTIONS

Php 300.00Php 300.00Purchase Product at SRP (Except those product in options A & B)Choose one (1 ) of the ff: L-Gluta POWERSoap or Kojic Papaya Soap Anti-Ageing Soap)

Choose one (1 ) of the ff: Royal Blend Coffee ( Regular)Royal Blend Coffee (Lite)Choco ALL 8Royale Corn Coffee

Make your own Package

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How to become an INDEPENDENT DISTRIBUTOR 1. Attend the Royal Business Presentation (RBP).

2. Accomplish a Distributor Application Form and submit to the office to start enjoying discount. *A fee of PHP 300 will be collected for the Application Form that comes with an initial Marketing kit and product sample - You can now enjoy 10% discount from your Royal product purchase

3. Avail the Privilege to Purchase (PTP) account to avail the full discount on all your personal purchases and enjoy other more exciting privileges Two ways to avail the PTP: a. Purchase in-house products equivalent to at least 150 product points value (ppv) within 1 year b. Purchase a product package to reach 150 PPV instantly.

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4 Bottles of either L-Gluta POWER 462 or Pinkish Glow 44 Royal Beauty Soaps (L-Gluta POWER Soap, Kojic Papaya Soap or Anti-Ageing Soap)

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600 MPV & 300 UPV

4 Bottles of either L-Gluta POWER 462 or Pinkish Glow 24 Royal Beauty Soaps (L-Gluta POWER Soap, Kojic Papaya Soap or Anti-Ageing Soap) 2 L-Gluta POWER Line Corrector Cream or L-Gluta POWER Lightening Cream 2 L-Gluta POWER Lightening Lotion 2 pcs. of either LOPULENT Homme or Femme Anti- Perspirant Deodorant 2 Pinkish Glow Toner 2 Pinkish Glow Brightening Cream

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600 MPV & 300 UPV

2 L-Gluta POWER 462 Spirulina PRIME Riqall Royale-C Fitshape Grapeseed Diabetwatch Fiberich Choco ALL 8 Richarge Royal Blend Coffee Choose any 7 Royal Beauty Soaps (L-Gluta POWER Soap, Kojic Papaya Soap or Anti-Ageing Soap) L-Gluta POWER Lightening Lotion L-Gluta POWER Line Corrector Cream L-Gluta POWER Lightening Cream LOPULENT Homme or Femme Anti- Perspirant Deodorant Pinkish Glow Toner Pinkish Glow Brightening Cream Choose any 1 Royal Beauty Lipstick

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600 MPV & 300 UPV

10 Royal Beauty Soaps (L-Gluta POWER Soap, Kojic Papaya Soap or Anti-Ageing Soap) 4 Bottles of either L-Gluta POWER 462 or Pinkish Glow 1 L-Gluta POWER Line Corrector Cream 1 L-Gluta POWER Lightening Lotion 1 LOPULENT Homme or Femme Anti- Perspirant Deodorant 1 Pinkish Glow Toner 1 Pinkish Glow Brightening Cream 1 LOPULENT Rejuv Facial Essence 1 LOPULENT Jeune BB Cream 1 LOPULENT Lumire Facial Foam Cleanser 1 LOPULENT Meilleur Blemish Gel

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600 MPV & 300 UPV

4 Bottles of either L-Gluta POWER 462 or Pinkish Glow 20 Royal Beauty Soaps (L-Gluta POWER Soap, Kojic Papaya Soap or Anti-Ageing Soap) 1 LOPULENT Rejuv Facial Essence 1 LOPULENT Jeune BB Cream 1 LOPULENT Lumire Facial Foam Cleanser 1 LOPULENT Meilleur Blemish Gel

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600 MPV & 300 UPV

24/7 Online Independent Distributors Tracking Center (IDTC) Distributors ID Marketing Tools AVP Disc

Product Discount*A slot in the computer system of Royal that monitors the direct and indirect sales of Royal product packages and in-house product sales in your left and right sales team.Visit www.royaledirectsales.com28

Insurance Coverage1 year personal accident insuranceAccidental Death & Displacement P100,000Permanent Total Disablement 100,000Unprovoked Murder & Assault 100,000Medical Reimbursement 10,000Burial Benefit 10,000

PRODUCT PACKAGE - IN-HOUSE PRODUCT CONTENT - Option A 4 Bottles of either L-Gluta POWER (462mg) or Pinkish Glow e.g. P 1,680 X 4 Bottles P 6,720.00 44 Royale Beauty Soaps e.g. Anti- Ageing Soap P 210 X 40 Boxes (L-Gluta POWER Soap, Kojic Papaya Soap or Anti-Ageing Soap) 9,240.00

PRIVILEGES:- 30% discount on all products- 24/7 Online Independent Distributors Tracking Center (IDTC)PERSONAL ACCIDENT INSURANCE (1 year)Accidental Death and Displacement *100,000Permanent Total Disablement *100,000Unprovoked Murder and Assault *100,000Medical Reimbursement*10,000Burial Benefit*10,000

OTHER INCLUSION:Distributors ID 100.00Marketing Kit 50.00 -Product Brochure -Product Pricelist -5 pcs. Distributor Application Form

In-house product worth: P 16,110.00

29Real Value for Money and More!!!

PRODUCT PACKAGE for only30

GOOD NEWS FOR SDSBETTER NEWS FOR DISTRIBUTORS

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Direct Selling ProgramIn-house product rebatesProduct Package Rebates Leveraging ProgramTeam Match Sales Bonus a) Product Package b) PPV accumulation through In-house product sales Uni-level ProgramRebatesOverrides Multi-level ProgramRebatesOverridesRoyalety / Leadership Bonus Incentive ProgramInternational Travel Getaway Profit Sharing Program Additional benefits, Privileges and Incentives of an Independent DistributorA Royal Independent Distributor can earn through the following:

Direct Selling Program

Sell at S.R.P.to Prospective customers Royal Independent Distributor Purchases at Discounted Price

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Sell at SD price to Sub-Distributors

In-house Product Rebates

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Official Pricelist33

Official Pricelist34

you

Hyperpackage = P 1,610With 150 PPVHyperpackage = P 1,610With 150 PPVHyperpackage = P 1,610With 150 PPV4 (Hyper Packages) x P1,610 =P6,440 The more Royal Product Packages you sell, more direct sales commission YOU will EARN!35

PPV= Product Points Valued

c

b

a

Hyperpackage = P 1,610With 150 PPVEarn Product Package Rebates of P1,610.00 when you directly sell a Royal Product Package

Direct Selling ProgramProduct Package Rebates

HENRY SY.SMBDOEmployees = 1,000 Employees = 1,000 8 hours = 8,000 hrs8 hours = 8,000 hrsTOTAL = 16,000 HRS24 HRSTOTAL = 16,024 HRS

Team ATeam BMatch Sales Bonus (MSB)1234510th Step CycleP 2,1002,100PPR=P 1,610PPR=P 1,610You2,1002,1002,100150PPV150PPV150PPV150PPV150PPV150PPV150PPV150PPV150PPV(MST)Match Sales Transaction150PPVcdefghij

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ab

75 PPV on your Team A and Team B = php 1,050

PPR= Product Package rebates PPV= Product Points Value Only a maximum of ten match sales transaction (MST) per day per IDTC150 PPV on your Team A and Team B = php 2,100Team Match Sales Bonus - Product PackageLeveraging Program

150PPVYou150PPV150PPVdf 75 PPV accumulation 75 PPV accumulation

e75 PPV

Php 2,100.001,050.001,050.00

PPR=P1,610PPR=P1,610PPR=P1,61037150 PPVPPR=P1,610

g75 PPV

2,100.00

150 PPV150 PPV

abchjiPPR=P1,610

PPR=P1,610

Carry over

Carry overAB 75 PPV accumulation 75 PPV accumulation

2,100.00Team Match Sales Bonus - Product Points Value (PPV) Accumulation

Leveraging Program

2 300PPV 300PPV 4,200 2 3 600PPV 600PPV 8,400 4MonthTeam ATeam BMatch Sales BonusMST1 150PPV 150PPV P 2,100 14 1,200PPV 1,200PPV 16,800 85 2,400PPV 2,400PPV 33,600 166 4,800PPV 4,800PPV 67,200 327 9,600PPV 9,600PPV 134,400

648 19,200PPV 19,200PPV 268,800

1289 38,400PPV 38,400PPV 537,600

25610 45,000PPV 45,000PPV 630,000

30011 45,000PPV 45,000PPV 630,000 30012 45,000PPV 45,000PPV

630,000 300Total 1,411

2,963,10038

Assumptions:No selling experiencePart-time/Full-timeBased on Product Package salesEvery Independent Distributor takes one month to directly sell at least two (2) Royal Product Package. Patronize Royal products & servicesDuplicateNote: Chart herein is only a projection. Sales bonus variesfrom person to person depending on conditions that may affect sales performance. Sales bonus projected is not a guaranteed income.

Team Match Sales Bonus Sales & Bonus ProjectionLeveraging Program

YOU 1,5008% P 1201st 2 3,0005% 1502nd 4 6,0004% 2403rd 8 12,0003% 3604th 16 24,0002% 4805th 32 48,0001% 4806th 64 96,0001% 9607th 128 192,0002% 3,840 8th 256 384,0003% 11,5209th 512 768,0004% 30,72010th 1,0241,536,0005% 76,800TOTAL UNILEVEL BONUS:P125,67039 Level Independent Distributors Uni pointsRebatesIncome

UNILEVEL PROGRAM

Note: Chart herein is only a projection. Sales bonus variesFrom person to person depending on conditions that may Affect sales performance. Sales bonus projected is not aguaranteed income.

Assumption:- Based on a minimum monthly purchase of products with equivalent 1,500 UPV

Dynamics:- Earn 8 % rebate of unipoints from personal purchase - Earn 5%, 4%, 3%, 2%, 1%, 1%, 2%, 3%, 4% & 5% override from group unipoints of your levels 1,2,3,4,5,6,7,8,9 & 10 sales organization RESPECTIVELY- Dynamic Compression/Level-up per non-maintaining level

Sales & Bonus Projection

P16, 100.00 x 7P 112, 700.00P 10,500300 + 14,490.00 + 77,280 P 92, 070.00

P 26, 930.00

7 (Seven Accounts)

(ROYALTY/LONG-TERM RESIDUAL INCOME) 1 = 2100 x 4 = 84001112 3 1111112 = 2100 x 2 = 42004 3 = 2100 x 2 = 42005 6 7 4 = 2100 x 1 = 21005 = 2100 x 1 = 21006 = 2100 x 1 = 21007 = 2100 x 1 = 2100PhP 25,200.00

2

2

2

2

2

2

2

2 PhP 50,000.00

7

7

7

7

7

7

7

7 PhP 200,000.00

5%Rebate I.D. 150 PPV (personal)Multi Level Program40

Note: PPV display in this diagram is for projection of image only. They do not reflect the exact PPV requirement per distributor.

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Emerald Independent Distributor (E.I.D.) 3,750 PPV10 % Rebates (Based on MPV)

ABCD 5 % Override from MPV5 % Override from MPV 5 % Override from MPV0 % Override from MPVIndependent Distributor (I.D.) - 5 % RebatesIndependent Distributor (I.D.) - 5 % RebatesIndependent Distributor (I.D.) - 5 % RebatesEmerald Independent Distributor (E.I.D.)-10% Rebates

you E.G. 150 PPV

E.G. 150 PPV

E.G. 150 PPV

E.G. 3,750 PPVMulti Level Program41


5%Rebate 10%Rebate I.D. 150 PPV (personal) EMERALD (E.I.D.) 3750 PPV (group) +5%OverrideMulti Level Program42


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Sapphire Independent Distributor (S.I.D.) 8,250 PPV15 % Rebates (Based on MPV)

ABCD 10 % Override from MPV5 % Override from MPV 5 % Override from MPV0 % Override from MPVIndependent Distributor (I.D.)-5% RebatesEmerald Independent Distributor (E.I.D.)- 10% RebatesEmerald Independent Distributor (E.I.D.)-10% RebatesSapphire Independent Distributor (S.I.D.)- 15% Rebates

E.G. 150 PPV

E.G. 350 PPV

E.G. 3,750 PPV


you


15% Rebate SAPPHIRE (S.I.D.) 8250 PPV

(group) +10%Override +5%Override 5%Rebate 10%Rebate I.D. 150 PPV (personal) EMERALD (E.I.D.) 3750 PPV (group) +5%OverrideMulti Level Program44


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Ruby Independent Distributor (R.I.D.) 17,250 PPV25 % Rebates (Based on MPV)

ABCD 20 % Override from MPV15 % Override from MPV 10 % Override from MPV0 % Override from MPVIndependent Distributor (I.D.)- 5% RebatesEmerald Independent Distributor (E.I.D.)- 10% RebatesSapphire Independent Distributor (S.I.D.)-15% RebatesRuby Independent Distributor (R.I.D.)-25% Rebates

E.G. 150 PPV

E.G. 5,000 PPV

E.G. 9,000 PPV


you


25%Rebate 15% Rebate SAPPHIRE (S.I.D.) 8250 PPV

(group)

+10%Override +5%Override 5%Rebate 10%Rebate I.D. 150 PPV (personal) EMERALD (E.I.D.) 3750 PPV (group) +5%Override RUBY (R.I.D.)

17250 PPV

(group)

+20%Override

+15%Override

+10%OverrideMulti Level Program46


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Diamond Independent Distributor (D.I.D.) 30,050 PPV35 % Rebates (Based on MPV)

ABCD 30 % Override from MPV25 % Override from MPV 20 % Override from MPV10 % Override from MPVIndependent Distributor (I.D.)- 5% RebatesEmerald Independent Distributor (E.I.D.)-10% RebatesSapphire Independent Distributor (S.I.D.)-15% RebatesRuby Independent Distributor (R.I.D.)- 25% Rebates

E.G. 150 PPV

E.G. 5,900 PPV

E.G. 10,000 PPV


you


DIAMOND (D.I.D.)

30,050 PPV (group) +30%Override

+25% Override

+10%Override +20%Override

25%Rebate 15% Rebate SAPPHIRE (S.I.D.) 8250 PPV (group) +10%Override +5%Override 5%Rebate 10%Rebate I.D. 150 PPV (personal) EMERALD (E.I.D.) 3750 PPV (group) +5%Override RUBY (R.I.D.)

17250 PPV

(group) +20%Override

+15%Override

+10%Override 35% RebateMulti Level Program48Note: PPV display in this diagram is for projection of image only. They do not reflect the exact PPV requirement per distributor.

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Multi Level Program 5%Rebate 10%Rebate 15%Rebate 25%Rebate 35%Rebate Royalety / Leadership Bonus 5 level Diamond Independent Distributor (D.I.D.) BonusD.I.DD.I.DD.I.DD.I.DD.I.DD.I.D 0%Override

-Promotion is based on PPV-Rebates and Overrides based on MPV-Group Points Accumulation Override from Group Sales-No Time Frame-No Demotion-No Pass-Up-No Spin-Off-Minimal Monthly MPV Maintenance-MPV= Multi-Level Points Value

I.D.150 PPV EMERALD I.D. (E.I.D.) 3750 PPV SAPPHIRE I.D. (S.I.D.) 8250 PPV RUBY I.D. (R.I.D.)

17250 PPV DIAMOND I.D. (D.I.D.)

30,050 PPV +5% Override +10%Override +20%Override

+30%Override

+5%Override +15%Override

+25%Override

+10%Override Lifetime Discount to all Independent Distributor (I.D.) level +10%Override +20%Override

3%Override

3%Override

3%Override

3%Override

3%Override

UNTIL INFINITY

25 MPV

50 MPV

50 MPV

100 MPV

300 MPV

15 MPV

25 MPV

15 MPV

15 MPV

15 MPV

25 MPV

50 MPV

300 MPV

15 MPV

15 MPV

25 MPV

50 MPV

300 MPV

49Note: PPV display in this diagram is for projection of image only. They do not reflect the exact PPV requirement per distributor.

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Note: Please refer to memo for full mechanics of the incentive. Subject to Royales terms & conditions..www.royalebusinessclub.com Incentive Period: January 1 to December 31

Level 1a. Must have maintained at least 18,000 personal MPV. b. Must have developed new lines of: Diamond Independent Distributor Ruby Independent Distributor Sapphire Independent Distributor Emerald Independent Distributorc. All developed new lines that will be used to qualify for PSP must not be an upline or a downline to one another whether based on SPONSORSHIP or POSITIONING placement.d. All developed new lines can only be used by only one and the nearest qualifying upline for his/her requirement for the PSP.

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Note: Please refer to memo for full mechanics of the incentive. Subject to Royales terms & conditions..www.royalebusinessclub.com Level 2a.Must have maintained at least 36,000 personal MPV.b.Must have developed new lines of: Level 1 PSP qualifier Diamond Independent Distributor Ruby Independent Distributorc. All developed new lines that will be used to qualify for PSP must not be an upline or a downline to one another whether based on SPONSORSHIP or POSITIONING placement.d. All developed new lines can only be used by only one and the nearest qualifying upline for his/her requirement for the PSP.

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Level 3a. Must have maintained at least 54,000personal MPV.b. Must have developed new lines of: Level 2 PSP qualifiers Diamond Independent Distributor Ruby Independent Distributorc. All developed new lines that will be used to qualify for PSPmust not be an upline or a downline to one another whetherbased on SPONSORSHIP or POSITIONING placement.d. All developed new lines can only be used by only one and the nearest qualifying upline for his/her requirement for the PSP. Note: Please refer to memo for full mechanics of the incentive. Subject to Royales terms & conditions.www.royalebusinessclub.com

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Incentive Period: January 1 to December 31

QUALIFICATIONS:

Must be an Independent Distributor with good standing (faithful compliance of the Company Policies and Code of Ethics). Must have valid travel document/s. An independent distributor may only qualify once on this Incentive. Must be a Philippine account holder.

Division: Network Builder RookiesNote: Please refer to memo for full mechanics of the incentive. Subject to Royales terms & conditions.www.royalebusinessclub.com

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rbp ph new_2_(revised_2014)

Business

royal blend

kojic papaya

kojic papaya

sales bonus

royales terms

royal business

nearest qualifying

royal product